App store will not accept my card details just keeps saying card declined? what do i do?

i have got a new iphone due to a faulty handset, and im now trying to download my apps again its asking for me to verify my details but when i do this its just saying declined? what do i do ?? there is nothing wrong with my card i have funds available?

Maybe it hasnt yet recognised the funds are in the account, i had this last week, had to sign out of account and sign back in, then worked?
hope this helps

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